Salem Co-Operative Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 6.87 percentage points in Q2 2026, from 239.84% to 246.71%. It was the largest change from Q1 2026 among the key lines here. Within New Hampshire, Salem Co-Operative Bank is 13th of 16 on return on assets, 0.23% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Salem Co-Operative Bank reported 0.23% on return on assets in Q2 2026, 1.02 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.04% |
| Tier 1 risk-based capital ratio | 18.04% |
| Total risk-based capital ratio | 18.90% |
| Tier 1 leverage ratio | 11.89% |
| Equity capital to assets | 11.02% |
| Tangible equity to tangible assets | 11.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 1.86% |
| Allowance for credit losses to loans | 0.63% |
| Reserve coverage of non-performing loans | 246.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.23% |
| Return on equity | 2.09% |
| Net interest margin | 2.41% |
| Efficiency ratio | 85.56% |
| Yield on earning assets | 4.71% |
| Cost of funds | 2.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 119.76% |
| Core deposits to total deposits | 85.75% |
| Brokered deposits to total deposits | 0.18% |
| Deposits to assets | 69.98% |
| Securities to assets | 8.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.08% | 20.08% | 21.01% | 13.44% | -0.23% |
| Q4 2023 | 20.18% | 20.18% | 21.06% | 13.59% | -0.17% |
| Q1 2024 | 20.14% | 20.14% | 21.02% | 13.20% | -0.40% |
| Q2 2024 | 19.49% | 19.49% | 20.36% | 12.61% | -0.35% |
| Q3 2024 | 18.57% | 18.57% | 19.40% | 12.10% | -1.20% |
| Q4 2024 | 18.23% | 18.23% | 19.03% | 11.91% | -0.14% |
| Q1 2025 | 17.91% | 17.91% | 18.73% | 11.60% | -0.63% |
| Q2 2025 | 18.12% | 18.12% | 18.96% | 11.60% | 0.02% |
| Q3 2025 | 17.82% | 17.82% | 18.64% | 11.52% | 0.16% |
| Q4 2025 | 17.94% | 17.94% | 18.77% | 11.64% | 0.27% |
| Q1 2026 | 18.38% | 18.38% | 19.25% | 11.76% | 0.28% |
| Q2 2026 | 18.04% | 18.04% | 18.90% | 11.89% | 0.23% |
Salem Co-Operative Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Salem Co-Operative Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Salem Co-Operative Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27824) · FFIEC NIC profile (RSSD 670878)